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YES FIRST Business Credit Card VS BOBCARD ICSI Diamond Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

YES FIRST Business Credit Card
YES FIRST Business Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee
₹999 + GST
Nil
Renewal Fee
₹999 + GST
Nil
Spend Based Waiver
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Foreign Transaction Fees
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
2% of the total transaction amount.
Interest Rate (APR)
3.99% per month (47.88% per annum) on outstanding due amount.
3.49% per month.

Rewards & Benefits

Welcome Bonus
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
Rewards Rate
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹100 + GST charge for redeeming reward points.
Nil

Travel & Lifestyle

Domestic Lounge Access
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Not Applicable
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Earn 5 Reward Points per ₹100 spent on dining.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
1% waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹300.
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

BOBCARD ICSI Diamond Credit Card

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Who is it for?

The BOBCARD ICSI Diamond Credit Card is a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Pros

Key benefits and features.

Lifetime free card, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

Cons

Key drawbacks and limitations.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.